194 Lytham Ln, Stanley, NC 28164 Property Records

Lincoln County property record for 194 Lytham Ln, Stanley, NC 28164

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,376 sqft · built 2004
Lot Size	0.944 acres (41,121 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Aug 2010)
Tax Bill	$5,303 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4612-31-4706`

Property Details

APN / Parcel Number

Primary APN	`4612-31-4706`
Alternative APNs	`461203314706` `227823` `80616`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	1 Story
Building Area	3,376 sqft Living Area
Basement Area	1,786 sqft
Finished Basement	1,536 sqft
Unfinished Basement	250 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Frame
Lot Area	41,121 sqft (0.944 acres)
Pool Area	576 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	227823
Street Address	194 LYTHAM LN
City	STANLEY
State	NC
Zip	28164-7811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#42 COWANS FORD III SUB
Legal Subdivision	COWANS FORD
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	1
Census Block	1007
Census Tract	71102

Owner

194 Lytham Ln is owned and occupied by two individuals who bought it in August 2010.

Source: Lincoln County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	194 LYTHAM LN, STANLEY, NC 28164-7811
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2022	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2010 · Amount on File
Deed Sale	Aug 11, 2010 · Amount on File
Prior Sale	Dec 22, 2009 · Amount on File
Deed Document Number	20107394
Deed Book / Page	2202 / 343
Prior Transfer Date	Oct 21, 2008
Prior Transfer Doc	20730456
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	194 LYTHAM LN, STANLEY, NC 28164-7811
Transaction Type	Mortgage
Record Updated	Oct 10, 2022
Title Company	TITLE 365- NLSE, TITLE 365 NLSE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003198837
Date	Sep 27, 2022
Book Page	3198/837
Instrument	658276

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	194 LYTHAM LN, STANLEY, NC 28164-7811
Document Number	2920719
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 LYTHAM LN STANLEY NC 281647811, STANLEY, NC 28164-7811

Mortgage

Document Number	2920719
Date	Jun 23, 2020
Book Page	002920/000719
Instrument	610904

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 22, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 194 Lytham Ln was $5,303.

Source: Lincoln County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Lincoln County
Unified School District	Lincoln County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,303.00	$854,942 (-) Land $90,312 Building $764,630	$854,942 (-) Land $90,312 Building $764,630
2025	$5,303.00	$854,942 Land $90,312 Building $764,630	$854,942 Land $90,312 Building $764,630
2023	$5,261.00	$854,942 Land $90,312 Building $764,630	$854,942 Land $90,312 Building $764,630

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 194 Lytham Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 194 Lytham Ln is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LINCOLN COUNTY WTP serves 49,693 people · EPA ID NC0155035
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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